Few states have such organized and active participation in ATV groups and organizations as Vermont. With many miles of trails and weekends packed with events centered around these all-terrain vehicles, it's no wonder so many opt for the versatility and enjoyment these machines offer. Yet, securing ATV insurance protection is important before you hit the trails and head up to the mountains. As you search for quotes on the perfect ATV insurance policy, there are a few things to consider.
Protecting Yourself on Vermont Roads
It's easy to forget the need for highways and streets when you're cruising around the peaceful countryside or climbing the steep mountains in your ATV. While Vermont's statewide ATV organization, VASA, maintains liability insurance on all of its trails, you want to be sure you have insurance protection no matter where your ATV takes you. VASA currently has 19 individual clubs that plan, construct, maintain and provide signage for more than 800 miles of trails throughout the state.
And while you are encouraged to forget about all those motorists trapped in traffic on those congested highways, don't forget about Vermont's laws regarding ATV use:
- If you want to ride in the State of Vermont, you will be required to join VASA and a local ATV Club.
- Visitors must also register their ATVs with Vermont's Department of Motor Vehicles.
- ATVs may not be used by an operator who is younger than 18 years of age unless one of the following criteria is met:
- The operator is operating on property owned or leased by the operator or the operator's parents or guardian.
- The operator is taking a prescribed safety education training course and operating under the direct supervision of a certified all-terrain vehicle safety instructor.
- The operator holds an appropriate safety education certificate issued by this state or issued under the authority of another state or province of Canada.
Why Is ATV Insurance Important?
Since appearing on the domestic market in 1982, ATVs have exploded in popularity. The maneuverability and versatility of these all-terrain vehicles makes them extremely enjoyable to operate. Those same features, however, also make them dangerous:
- More than 60 people have died in VT as a result of ATV accidents.
- Of those, 11 were children younger than 16.
- ATV accidents cause thousands of dollars in property damage every year.
Not only can a collision cost you much in terms of repairs or medical payments for the treatment of those injured, but most ATV models aren't cheap. You may have invested a lot of money in your off-road vehicle, so be sure you protect it with a comprehensive insurance policy.
Can You Find Coverage For Your ATV?
ATVs come in all shapes and sizes. As the popularity of the machines grows, so too does the variety of those available. Most Vermont insurance companies have policies that will cover the following types of ATVs:
- Six or even eight-wheelers
- Sports quads
What Does ATV Insurance Cover?
ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Most Vermont insurance companies will offer you the following policy options from which to choose:
- Liability coverage: This will cover the costs of bodily injuries and their treatment and property damage should you injure someone or damage their property while operating your ATV. It will also cover the cost of your legal fees in the event you face a lawsuit.
- Collision coverage: This will pay for repairs to your damaged ATV after an accident.
- Comprehensive coverage: This will provide protection for your ATV against theft, damage by fire, vandalism or severe weather.
- Uninsured/underinsured motorist coverage: This will help cover your costs if another rider causes an accident and does not have the insurance to pay for your expenses.
Some, but not all, Vermont insurance companies may also offer additional insurance that protects the accessories you've added to your ATV. Be sure to ask your agent about this added coverage.
What Will Your ATV Insurance Quotes Look Like?
ATVs and their riders vary, so it is difficult to calculate average quotes for insurance premiums. The insurance company you choose to purchase a policy from will consider the following when giving you premium quotes:
- Your driving record
- The top speed of the ATV
- How often it is used
- Your credit history
- The ages of the covered drivers
- Your age
- Your credit history
The quotes for a 45-year-old woman who uses her ATV once a month at the ranch will be lower than the quotes for a 22-year-old man who takes his ATV out on the trails three times a week.
Finding Affordable ATV Insurance
No matter what you use your ATV for, chances are it's become important to you. Whether you need it to complete work around the farm or just to enjoy the trails, protecting your investment is a good idea. When you contact a knowledgeable, independent insurance agent in the Trusted Choice® network, you can be sure to find the best policy at the most affordable price.
Contact an agent near you to find out how you can start off-roading with the peace of mind only a comprehensive insurance policy can provide.